ETF fee comparison
How TER eats returns over a long horizon — the fee drag effect
Parameters
Fund 1 (TER 0.07%)$31,415
Fund 2 (TER 0.22%)$30,766
Difference in favor of the cheaper$649
TER is charged annually and compounds: 0.2% vs 0.07% is ~2% of capital over 15 years. Also check tracking difference — the fund's actual lag behind the index.